<PAGE>
EXHIBIT 25
POWER OF ATTORNEY
KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears
below constitutes and appoints Christopher J. Amenson, jointly and severally,
his attorney-in-fact, each with the power of substitution, for him in any and
all capacities, to sign any amendments to this Report on Form 10-K, and to file
the same, with exhibits thereto and other documents in connection therewith,
with the Securities and Exchange Commission, hereby ratifying and confirming all
that each of said attorneys-in-fact, or his substitute or substitutes, may do or
cause to be done by virtue hereof.
Pursuant to the requirements of the Securities Exchange Act of 1934, this Report
has been signed below by the following persons on behalf of the Registrant and
in the capacities and on the dates indicated.
<TABLE>
<CAPTION>
SIGNATURE TITLE DATE
--------- ----- ---
<S> <C> <C>
/s/ Christopher J. Amenson September 7, 2000
---------------------------- Chairman of the Board, ---------------------
Christopher J. Amenson Chief Executive Officer,
President, & Director
/s/ Scott A. Alexander September 7, 2000
---------------------------- Executive Vice President, ---------------------
Scott A. Alexander Secretary, & Director
/s/ James E. Dixon, Jr. September 7, 2000
---------------------------- Vice President, Finance & ---------------------
James E. Dixon, Jr. Administration, Treasurer
& Director
/s/ Warren W. Andrews September 7, 2000
---------------------------- Director ---------------------
Warren W. Andrews
/s/ William J. Becker September 7, 2000
---------------------------- Director ---------------------
William J. Becker
/s/ Lawrence A. Bennigson September 7, 2000
---------------------------- Director ---------------------
Lawrence A. Bennigson
/s/ Louis C. Golm September 7, 2000
---------------------------- Director ---------------------
Louis C. Golm
/s/ Alan F. White September 7, 2000
---------------------------- Director ---------------------
Alan F. White
</TABLE>
